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Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
Felaniaina is 33 years old. She is married to a driver. Together, the couple has 2 children, the youngest of whom is not yet going to school.
Felaniaina has been raising local breed chickens for 5 years. As such, to make her business more profitable, Felaniaina requested a loan to buy other additional local breed chickens. Her goal is to be able to start a large farm in the future.
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Translated from French by Kiva volunteer Danielle Jacques. View original language description.
Felaniaina a 33 ans. Elle est mariée avec un chauffeur. Ensemble, le couple a 2 enfants dont le dernier n'est pas encore scolarisé. Felaniaina élève des poulets de race locale, et ce, depuis il y a 5 ans. Ainsi, pour mieux rentabiliser son activité, Felaniaina a demandé un prêt pour acheter d'autres poulets de races locales supplémentaires. Son but est de pouvoir monter une grande ferme plus tard.
CEFOR is a socially-oriented MFI that targets people who have not accessed credit in the past. The organization operates 11 branches in and around Antananarivo, the capital and largest city in Madagascar. CEFOR offers loans to low-income entrepreneurs. CEFOR's non-financial services include health insurance, trainings, and at-home coaching delivered by designated training officers. In addition to its microcredit program, CEFOR runs a vocational training program with the goal of helping young people enter the job market.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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